Pre-requisites for Obtaining Encumbrance Certificate
- Attested copy of address proof
- One photocopy of any previously executed deed of the said property (sale deeds, partition deeds, gift deeds, release deeds)
- Details about the property and its title details
- Registered deed number, with date, book number, volume/CD number, and signature of the applicant should be affixed.
Fees
Obtaining an encumbrance certificate in Karnataka incorporates the following charges.
| Application fee | Rs.5 |
| For the search of the first year | Rs.30 |
| For every subsequent year | Rs.10 |
In Karnataka, you can obtain an Encumbrance Certificate (EC) either online or offline. Here are the steps to obtain an EC in Karnataka:
Offline method:
- Visit the Sub-Registrar’s office where the property is registered.
- Get the Form 22, which is the application form for an EC, and fill it out with the necessary details.
- Attach the required documents, such as the property’s address proof, sale deed, and tax receipts, along with the application form.
- Pay the applicable fee, which may vary based on the area and duration for which you need the EC.
- Submit the application and the documents to the Sub-Registrar’s office.
- The EC will be issued within 15 to 30 days, and you can collect it from the Sub-Registrar’s office.
It’s worth noting that the procedure for obtaining an EC in Karnataka may vary slightly depending on the district or Sub-Registrar’s office.
KAVERI Online service computerized the issue Encumbrance Certificate from any Sub-Registrar Office in Bengaluru Urban District.
Register
https://kaverionline.karnataka.gov.in/
Step 1: To apply online, register on KAVERI online services by visiting its official portal and clicking ‘Register as New User’.
Step 2: The user registration page appears—register by providing the required details. Enter the captcha and click Register.
Login
Step 3: Enter the login id and password and click login that redirects to the online portal.
Step 4: Fill the required data and search for the Index of registered documents. View the index information displayed.
Request Digital EC
Step 5: Request the digitally signed copy of the encumbrance certificate online and make the required payment through internet banking or by credit/debit card. On payment, click Submit.
Step 6: Now, forward request to the concerned department. The operator inserts the digital signature of the concerned authority and uploads to the portal.
Download Certificate
Step 7: On receiving the intimation of successful processing, log in the portal and download the digitally signed copy of the Encumbrance Certificate.
Print Certificate
Step 8: Print the downloaded copy to use it for the required purpose.
Processing Period
The computerized format at the sub-registrar’s offices enables to obtain encumbrance certificate quickly within 2-3 working days.